at J.P. Morgan
Bulge Bracket Investment BanksPosted 6 days ago
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**Payment Lifecycle Associate I** in Bengaluru, India, drives digital payment evolution. Coordinates end-to-end onboarding of Cash Nostro accounts to Cash Asset Management services. Ensures data accuracy, manages exceptions, and partners with cross-functional stakeholders for smooth cash account servicing. Requires strong communication skills, attention to detail, and experience in cash account servicing (ferably with Nostro accounts). Experience with SWIFT MX/ISO 20022 and related tools preferred.
- Compensation
- Not specified
- City
- Bengaluru
- Country
- India
Currency: Not specified
Full Job Description
Location: Bengaluru, Karnataka, India
Join a team shaping the future of digital payments and drive your professional growth. Unlock your potential and make a meaningful impact in a fast-paced and innovative environment.
As a Payment Lifecycle Associate I within Payments Operations, you will be responsible for coordinates end-to-end onboarding activities, manages documentation and data quality, and partners with internal stakeholders to enable smooth cash account servicing. Cash Asset Management (CAM) is a key partner to Treasury, supporting disciplined liquidity management through standardized servicing, risk reduction, and operational efficiency. By centralizing Cash Asset Management, CAM helps optimize cash operations and reduce time spent by operational and finance teams.
Job responsibilities
As a Payment Lifecycle Associate I within Payments Operations, you will be responsible for coordinates end-to-end onboarding activities, manages documentation and data quality, and partners with internal stakeholders to enable smooth cash account servicing. Cash Asset Management (CAM) is a key partner to Treasury, supporting disciplined liquidity management through standardized servicing, risk reduction, and operational efficiency. By centralizing Cash Asset Management, CAM helps optimize cash operations and reduce time spent by operational and finance teams.
Job responsibilities
- Execute end-to-end onboarding of Cash Nostro accounts to Cash Asset Management (CAM ) Services, including intake, validation, setup, and go-live readiness.
- Review onboarding requests for completeness and accuracy; validate required data fields, entitlements, sign-offs, and supporting documentation.
- Coordinate with internal partners (e.g., Lines of Business, Operations, Technology, Middle Office, Treasury, Risk/Controls, Compliance) to progress onboarding milestones and resolve blockers.
- Manage exceptions and remediation (e.g., missing/incorrect static data, approval gaps, duplicate records), ensuring timely resolution and appropriate escalation.
- Ensure adherence to control requirements: checklist completion, evidence retention, audit-ready documentation, and policy/procedure compliance.
- Track onboarding status, maintain logs/metrics, and provide clear updates to stakeholders on progress, risks, and dependencies.
- Support post-onboarding stabilization activities (e.g., initial service validation, issue triage, handoff to BAU servicing teams).
- Identify recurring onboarding pain points and contribute to process improvements, standardization, and operational risk reduction.
Required qualifications, capabilities, and skills
- Strong written & verbal communication skills for effective stakeholder engagement with the ability to coordinate dependencies, align on timelines, and influence outcomes across Payments Operations, Market Operations, Securities Services, other Lines of Business, Technology, and Risk/Controls.
- Demonstrate ability to produce concise, high-quality documentation (status updates, onboarding notes, handover summaries, and control evidence) that is audit-ready and supports follow-the-sun execution.
- Strong internal client service mindset: responsive, accountable, and proactive in managing expectations, turnaround times, and issue resolution while maintaining control standards.
- Confident escalation and incident communication - able to surface risks early, articulate impacts/options, and drive timely decision-making.
- Attention to detail and ability to manage multiple onboarding workstreams concurrently, prioritizing by deadlines, risk, and business impact.
- Clear, structured communicator (written and verbal)
Preferred qualifications, capabilities, and skills
- Experience onboarding or servicing Nostro (correspondent) cash accounts and understanding of related operating models and controls.
- Experience with reference/static data platforms, workflow tooling, and operational reporting (Excel proficiency expected).
- SWIFT MX/ ISO 20022 proficiency, including understanding of MX message structure, content quality impacts downstream processing (repairs, rejects, investigations), practical awareness of mapping considerations and operational impacts across payment rails.
- Knowledge of banking functions in one or more of the following areas: Payments, Liquidity, Sanctions, Cash Account Management, Fraud, Risk and Controls.
